Risks of Thatch
The main reason insurers are unwilling to include thatched roofed houses in standard home insurance is because, from their perspective, it is a higher risk.
Fire – Many people assume that a thatched roof is a greater fire hazard than a standard tile or slate roof but this is not necessarily the case. However, the difference is that should a fire start, the damage will spread far quicker as the thatching is more flammable than standard roofs are.
Cost – Aside from the potential risk of fire, there is also the higher cost of repairing the roof if it does become damaged. Thatching is not as common as it once was, which can make it harder to find someone to repair the roof, as well as them being able to charge more as it is now such a rare skill to have.
Maintenance – Finally, insurers need to know that you are properly maintaining your thatched roof, which will generally need re-ridging every 10 years. If it is not in good condition not only will this be bad for your house, but it can also drive up the price of your policy.
Listed building – If you live in a listed building, which many thatched buildings are, then you may like to check our nonstandard property insurance page.
Before buying any cover, ensure you have a realistic quote for the rebuild cost of your home from a specialist. People can often grossly underestimate the cost of rebuilding their home, and the last thing you want is to do discover you are under-insured when the time comes to make a claim.